Credit Help – I hope it’s a start

admin — Thu, 20 Mar 2008 16:03:23 +0000

While browsing around the various credit report sites, if found some very interesting information. Some of the more important bits of information I found were;

The three major credit reporting sites. In my previous post, I warned about the possibility of getting yourself registered for services you did not want. These are less likely to have such a suck in, yet not impossible. If you are looking to get your credit report each agency will give you one free report per year (Something LifeLock
sends you automatically periodically throughout the year). Remember to read everything before you commit. Also, remember you are giving out your Social Security Number – ALWAYS BE CAREFUL WITH THIS NUMBER!!!
1. Equifax – www.equifax.com
2. Experian – www.experian.com
3. TransUnion – www.transunion.com
Exclude yourself or family member from unsolicited credit and insurance offers. This is one service provided by LifeLock which they do automatically. However, you can opt out (for 5 years or forever) or opt in using 1-888-5optout (1-888-567-8688). I just did this myself to be sure and to see what is involved. It is very easy and quick. When I was asked for my SS# I remained silent to see what would happen. It will ask again – remain silent again. It will then say it is trying to make the request without it. Mine went through fine. Better to not give out your SS# if you do not have to.
Check out the Federal Trade Commission’s web site. (US only). You will find every bit of information you might need there. Plus, you can always call to get some additional information if needed. Remember this is a federal service you pay for with your tax dollars, use it! www.ftc.gov/credit

LifeLock does all this and more at about $10/month. While many places will warn you after something has gone wrong, LifeLock stops those things that could go wrong. Would you rather get fixed after a car accident or prevent the accident?

As with anything regarding your personal information, use my suggestions as a starting point. Trust only yourself and fully investigate your options and possibilities.

LifeLock

admin — Mon, 11 Feb 2008 21:54:10 +0000

I cannot say enough good things about this service. So instead of me telling you anything, click and see for yourself! The elimination of most junk mail is worth it.

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Credit Help – I hope it’s a start

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